So I've been rebuilding for quite some time and after a few years of hard work I'm in the mid 600s. My husband had filed bankruptcy back in 2011 but failed to use any credit since. No credit cards, loans, and the mortgage wasn't reaffirmed. He asked me to help him out. I signed him up for a QS1 and it just reported for the first time with a 91 point score increase. He's now in the lower 600s. Haha I'm jealous I had to work much harder to get there (not filing BK) but I'm totally happy for him! We are moving towards the same goals